The stats for mobile phone thefts are really alarming, so you should consider insurance.

On the other hand, most 'thefts' were actually mobiles dropped down the toilet, left on a bus, or vandalized by the girl who found those naughty text messages. All claimed as 'thefts' to get the insurance.

So the risk of thefts is really much lower.

But if you do drop things down the toilet, leave them on buses or have a feisty girlfriend, then I guess insurance fraud is something to think about